Diaspora Property Guide
Buy Property in Ghana from Abroad
Whether you are in the UK, USA, Canada, or Europe, this guide walks you through every step of buying or investing in Ghana real estate remotely — safely and legally.
How to Buy Property in Ghana from Abroad
Find a Verified Agent
Start by connecting with a verified Ownkey agent who specialises in diaspora purchases. They can conduct viewings on your behalf, share video walkthroughs, and represent your interests locally. Look for agents with the "Verified" badge — they have been vetted by the Ownkey team.
Browse verified agents →Run a Land Title Search
Before paying any deposit, instruct a solicitor to run a title search at the Lands Commission Ghana. This confirms the seller has clear title to the property, there are no encumbrances, and the land is not disputed. This step costs approximately GHS 500-1,500 and takes 5-14 working days.
Prepare a Power of Attorney
If you cannot travel to Ghana for the transaction, you will need to grant power of attorney (POA) to a trusted person in Ghana — a solicitor, family member, or your agent. Have the POA notarised at a notary public in your country of residence, then apostilled so it is recognised in Ghana.
Agree Terms and Pay a Deposit
Once due diligence is complete, sign a sale and purchase agreement with a 10-30% deposit. Always transfer funds to a solicitor's escrow account — never directly to a private individual. Use SWIFT wire transfer for large transactions. Keep all receipts.
Complete the Title Transfer
Your solicitor will prepare the deed of assignment or indenture, stamp it at the Lands Commission, and register it in your name. This is the final legal step that makes you the recorded owner. Processing takes 30-90 days.
Key Concepts Every Diaspora Buyer Must Know
Stool Land vs. Freehold
Most land in Ghana is stool land — communally owned and leased, not sold. Leases run 99 years (citizens) or 50 years (non-citizens). Freehold title ("allodial") exists but is rare. A good solicitor will clarify which you are buying.
Indenture vs. Deed of Assignment
An indenture documents the original grant of land. A deed of assignment transfers it to a new owner. Both must be stamped by the Ghana Revenue Authority and registered at the Lands Commission to be legally valid.
Stamp Duty
Ghana levies stamp duty on property transfers — typically 0.5% of the declared value. Capital gains tax (15%) applies to the seller. Budget for these costs in your total transaction calculation.
Currency Risk
Properties are often priced in USD but paid in GHS. The cedi has historically depreciated against major currencies. Lock in exchange rates where possible and consult a forex specialist before transferring large sums.
Remote Viewing
Ownkey's verified agents conduct video walkthroughs via WhatsApp or Zoom. Request multiple sessions at different times of day to check natural light, noise levels, and access. Always visit in person before final payment if at all possible.
Avoiding Scams
Common scams include double-selling (same plot sold to multiple buyers) and fake title documents. Protect yourself: always use a solicitor, always run a Lands Commission search, and never pay to an individual without an escrow or solicitor account.
Frequently Asked Questions
Can I buy property in Ghana while living abroad?
Yes. Both Ghanaian citizens and foreign nationals can purchase property in Ghana. The process involves remote due diligence, power of attorney, and international wire transfer. Ownkey connects you with verified local agents to manage everything on the ground.
What is a power of attorney for Ghana property purchase?
A power of attorney (POA) authorises a trusted person in Ghana to act on your behalf — signing documents, attending the Lands Commission, and completing payments. Have it notarised in your country and apostilled before it is valid in Ghana.
How do I transfer money to Ghana to buy property?
SWIFT wire transfers are standard for large transactions. Wise, Remitly, and Ghanaian bank international accounts work for smaller amounts. Always transfer to a solicitor escrow account — never to an individual.
What is stool land in Ghana?
Stool land is communally owned land administered by a traditional chief. It cannot be purchased outright — it is leased for 99 years (citizens) or 50 years (foreign nationals). A properly registered lease is legally secure.
Ready to Start?
Browse verified properties across Ghana or connect with a trusted agent who specialises in diaspora purchases.